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PAL Mabuhay Miles Debit Mastercard Savings" />
PNB Debit Savings Account
It's a regular savings account that comes with a PNB-PAL Mabuhay Miles Debit Mastercard which can be used at:
✔ Mastercard and Maestro accredited merchants
✔ over 2 million ATMs worldwide
| Initial Deposit | PHP 3,000.00 |
| Min. Maintaining Balance | PHP 3,000.00 |
| Min. ADB to Earn Interest | PHP 10,000.00 |
| Interest Rate | 0.100% p.a. |
How to Open a PNB Debit Savings Account
Download and fill-out the
account opening form
Visit the branch and
present requirements
Wait for your debit card
and change PIN
Enroll on PNB
Digital Banking
Requirements for Account Opening
2 Government-issued
Valid IDs
2 ID pictures
(2x2 or 1x1)
Initial Deposit
of PHP3,000
PNB-PAL Mabuhay Miles
Debit Mastercard
✔ Earn points when you spend using your
PNB-PAL Mabuhay Miles Debit Mastercard
and redeem for Mabuhay Miles
✔ Enjoy 500 Mabuhay Miles Welcome Gift
✔ Accepted at any BancNet, MegaLink, or
ExpressNet ATMs in the Philippines
✔ Accepted here and abroad at Mastercard
and Maestro affiliated shops and ATMs
ADB must be Php 10,000 to earn interest
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1. What can I do with the PNB Debit Mastercard
Check balance online or via
ATM
Withdraw your money from
ATMs
Deposit cash via PNB Cash Accept Machines (CAM)
Transfer funds online or via
PNB ATM
Pay bills
online or via
PNB ATM
Shop online or
pay at Point-of-Sale
(POS) Terminals
 |
1. Where can I use the PNB EMV Debit Mastercard?
✔ Local ATMs (BacnNet, Megalink, and
✔ BancNet merchants nationwide
✔ BancNet online transactions
✔ PNB Digital Banking
✔ Local Mastercard and Maestro Merchants
✔ International ATM Networks
(Mastercard and Maestro)
✔ International Mastercard and
2. How much is the transaction limit?
maximum ATM withdrawal
limit per transaction
maximum POS and ATM
transaction limit per day
PNB-PAL
MABUHAY MILES
DEBIT MASTERCARD
 |
Point Conversion
PAL Transaction: PHP 150: 1 point: 1 Mabuhay Mile
Non-PAL Transactions: PHP 250 : 1 point : 1 Mabuhay Mile
Welcome Gift
500 Mabuhay Miles (if with PAL transaction
within 3 months from card issuance)
Mabuhay Miles Redemption
Blocks of 2,000 points
*Transactions from the following are EXCLUDED from earning reward points: Supermarket/grocery stores, gasoline/petrol
stations, drugstore/heathcare, casino, domestic and international cash withdrawal, and transactions lower than PHP1,500.
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Minimum Maintaining Balance
Minimum ADB to Earn Interest
Debit Mastercard Expiry Date
Record of Transactions
| * Dormancy fees on a dormant deposit accounts shall be collected when: |
| - 5 years after non-activity and; |
| - If the balance falls below the required minimum maintaining balance. |
 |
Withdrawal on PNB ATM
Inquiry on PNB ATM
Withdrawal on Other Bank’s ATM
Inquiry on Other Bank’s ATM
ATM Fund Transfer to Other
BancNet Member Banks
 |
| * All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction |
| dates at the prevailing exchange rate applied by Mastercard. A fee of up to three percent (3%) will be imposed by |
| the Bank on the converted amount which represents our service fee and other charges related to the transaction. |
 |
Closure within 30 days upon opening
Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months
Requests for issuance of certification of deposit account balances
Interbranch/interoffice Peso deposit transactions on select PNB branches*
Interbranch/interoffice Peso withdrawal transactions on select PNB branches*
| * PHP 100 is applicable for interbranch deposit transactions, PHP 200 for interbranch withdrawal, check encashment and fund transfer in selected inter-island branches: PNB Batanes-Basco, PNB Romblon-Odiongan, PNB Romblon-Republika, PNB Cebu-Bantayan, PNB Tawi Tawi-Bongao, PNB Jolo-Arolas, PNB Basilan-Isabela-Strong Blvd., PNB Basilan-Isabela-Roxas, PNB Mambajao-Camiguin, PNB Siquijor-Larena, PNB Boracay Station 1, PNB Boracay Station 2, and PNB Marawi City MSU Campus |
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The One-Time PIN (OTP) is a unique six (6) – digit system-generated password sent to your registered mobile number via SMS for your online transactions using your PNB Debit Mastercard. It is an additional security feature thatstrengthens the authentication process to minimize potential fraud or unauthorized transactions.
Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB Debit Mastercard.
You must update your contact details by visiting any PNB Branch nearest you for your convenience. Only your registered mobile number will receive an OTP.
The OTP will expire if not entered within five (5) minutes. If this happens, you may get a new OTP by clicking the “Regenerate OTP button”.
You are only given three (3) times to input an OTP. After three (3) consecutive unsuccessful attempts, you will be required to regenerate a new OTP.
The OTP will be sent to your registered mobile number. If you have concerns or issues with your OTP, please call PNB Customer Care Hotline at (02) 573-8888.
Expect to receive the OTP via SMS within five (5) minutes. If you did not receive the OTP, you may select “Regenerate OTP” button to get a new one.
Please update your contact details through any PNB Branch.
You will get your OTP if your registered mobile number is enabled for international roaming to receive SMS.
Yes, OTP is free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
No. All users of PNB Debit Mastercard are required to use their assigned OTP to secure and complete their online transactions.
You should immediately call the PNB Customer Care Hotline at (02) 573-8888 to report the incident.
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